Health Insurance While Cruising - SailNet Community
 1Likes
Reply
 
LinkBack Thread Tools
post #1 of 11 Old 06-23-2014 Thread Starter
Senior Member
 
Join Date: Aug 2013
Posts: 163
Thanks: 51
Thanked 6 Times in 6 Posts
Rep Power: 2
 
Health Insurance While Cruising

I did a quick search and did not find much information. Feel free to point me somewhere if this has been discussed.

How does health insurance work when you are cruising? Let's say you are in a different country every month to six months. Do you buy a policy for each country? Are there companies that cover you in any country? Will rates be different for each country? Medical costs can vary from country to country...probably the quality of care too.

Thanks in advance for the responses.
gbgreen59 is offline  
Quote Quick Reply Share with Facebook
Sponsored Links
Advertisement
 
post #2 of 11 Old 06-23-2014
Bristol 45.5 - AiniA
 
Join Date: May 2006
Posts: 3,789
Thanks: 5
Thanked 94 Times in 82 Posts
Rep Power: 10
 
Re: Health Insurance While Cruising

I think if you keep searching you should find several discussions on this topic. Most people who are cruising self insure since the cost of healthcare in most countries is quite reasonable. Generally traveller health insurance will cover you in all countries you visit. I would want to have coverage at home if something really nasty happened an just pay the bills as you go. I had to go to a very fancy, new hospital in Papeete and was treated directly for an hour and a half in the ER for $120. The private hospital in Fiji was $12 for a doctor visit (did not find out what the public hospital was, very possibly free as it was in South Africa for visitors. The quality of health care is generally very good but you really want to able to head home for care if need be.

Heading back to Lake Ontario for this summer. Ainia is back in North America for the first time since 2010. Currently in Long Island Sound.
killarney_sailor is offline  
Quote Quick Reply Share with Facebook
The Following 2 Users Say Thank You to killarney_sailor For This Useful Post:
gbgreen59 (06-24-2014), jmayer (06-23-2014)
post #3 of 11 Old 06-23-2014
Old as Dirt!
 
svHyLyte's Avatar
 
Join Date: Nov 2008
Location: Tampa Bay Area
Posts: 2,918
Thanks: 15
Thanked 128 Times in 121 Posts
Rep Power: 7
 
Re: Health Insurance While Cruising

Quote:
Originally Posted by killarney_sailor View Post
I think if you keep searching you should find several discussions on this topic. Most people who are cruising self insure since the cost of healthcare in most countries is quite reasonable. Generally traveller health insurance will cover you in all countries you visit. I would want to have coverage at home if something really nasty happened an just pay the bills as you go. I had to go to a very fancy, new hospital in Papeete and was treated directly for an hour and a half in the ER for $120. The private hospital in Fiji was $12 for a doctor visit (did not find out what the public hospital was, very possibly free as it was in South Africa for visitors. The quality of health care is generally very good but you really want to able to head home for care if need be.
Further to the foregoing, a friend of ours that has been cruising in the Caribbean for the last several years needed surgery for a hernia this past winter. The surgery was performed in Trinidad by a US trained, interned, physician with two months of follow-up care at a cost of slightly more than $1,200 US. Coincidentally, I needed similar surgery here this past February. My expenses here ended up being somewhat more than $57,000.00 not including the follow-up care. His total cost of care was less than the deductible on our health insurance!

FWIW...

"It is not so much for its beauty that the sea makes a claim upon men's hearts, as for that subtle something, that quality of air, that emanation from the waves, that so wonderfully renews a weary spirit."
svHyLyte is offline  
Quote Quick Reply Share with Facebook
The Following User Says Thank You to svHyLyte For This Useful Post:
gbgreen59 (06-24-2014)
post #4 of 11 Old 06-26-2014
Senior Member
 
Join Date: Feb 2010
Location: Narragansett Bay
Posts: 10,823
Thanks: 45
Thanked 217 Times in 202 Posts
Rep Power: 7
   
Re: Health Insurance While Cruising

This will depend greatly on your personal resources to get back home in an emergency or deal with self-insuring relatively minor issues.

However, catastrophic policies (ie. those that only kick in after huge deductibles, so you can self insure offshore) have become harder, if not impossible, to locate after Obamacare mandates.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Jeanneau 54DS

In the harsh marine environment, something is always in need of repair. Margaritas fix everything.
Minnewaska is offline  
Quote Quick Reply Share with Facebook
post #5 of 11 Old 06-26-2014
Senior Member
 
Group9's Avatar
 
Join Date: Oct 2010
Posts: 1,782
Thanks: 24
Thanked 70 Times in 68 Posts
Rep Power: 5
 
Re: Health Insurance While Cruising

When we cruised, we kept our Blue Cross, with the idea that we would self insure for small things, and fly home for anything serious. Get the medical air evac insurance. That's the one you need in a third world country.

But, a lot of cruising destinations do have decent hospitals and care. It really does depend on where you are when sickness strikes.

On the northern Gulf of Mexico.


"Best thing to do is get her out on the ocean. If anything's gonna happen, it's gonna happen out there." Captain Ron Rico
Group9 is offline  
Quote Quick Reply Share with Facebook
post #6 of 11 Old 06-26-2014
Junior Member
 
aeventyr60's Avatar
 
Join Date: Jun 2011
Location: Andaman Sea
Posts: 2,247
Thanks: 25
Thanked 61 Times in 58 Posts
Rep Power: 4
 
Re: Health Insurance While Cruising

Some of my cruising friends use: World Nomads Travel Insurance - Travel Insurance Quote


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.



"Your dreams minus your doubts equals your net worth"

Life is a short journey, filled with emptiness and pain. Get all the sailing and booty you can.
aeventyr60 is offline  
Quote Quick Reply Share with Facebook
post #7 of 11 Old 06-26-2014 Thread Starter
Senior Member
 
Join Date: Aug 2013
Posts: 163
Thanks: 51
Thanked 6 Times in 6 Posts
Rep Power: 2
 
Re: Health Insurance While Cruising

Thanks for all of the replies. Very useful.
gbgreen59 is offline  
Quote Quick Reply Share with Facebook
post #8 of 11 Old 06-26-2014
Senior Member
 
hellosailor's Avatar
 
Join Date: Apr 2006
Posts: 11,335
Thanks: 4
Thanked 129 Times in 126 Posts
Rep Power: 11
   
Re: Health Insurance While Cruising

gb, you might want to contact come insurers or at least look at the policy terms most have available on the obamacare web site.

Most are moving to provide coverage mainly through "plan members" only. Go outside the plan (group) and now you need a policy that covers you outside the group. That's easy to get--but often quite pricey. If it covers you outside of the group, the insurer usually doesn't care where you are, or how far outside the group you are.

Medevac or transport coverage back to the US is something else again. Get injured in Venezula or Columbia, and do you know where the nearest Class 1 Trauma Center is? Back in Miami, US of A.

Plenty to be gleaned from many threads here and elsewhere, but check the policies, because this year many things have been changing, and many insurers are playing coy in order to duck out of new costs. Like one major carrier, who just didn't send out plan ID numbers for nearly two months (no ID? Just try to get an rx filled, it can't be billed to the insurer) or send out plan coverage lists and policies for six months. No list of members? Right, then try finding a doctor on your plan. Great way to ensure the members won't be racking up any bills for six months, isn't it? Meanwhile, they have to pay dues.

2014 brings new twists.
hellosailor is offline  
Quote Quick Reply Share with Facebook
The Following User Says Thank You to hellosailor For This Useful Post:
gbgreen59 (06-26-2014)
post #9 of 11 Old 06-26-2014
Wingnut
 
Join Date: Apr 2014
Location: Quadra Island
Posts: 70
Thanks: 1
Thanked 5 Times in 5 Posts
Rep Power: 2
 
Re: Health Insurance While Cruising

An apple a day...

Sent from my HUAWEI Y300-0151 using Tapatalk
Dirtyfloats is offline  
Quote Quick Reply Share with Facebook
post #10 of 11 Old 06-26-2014
Old enough to know better
 
Join Date: Dec 2006
Location: Beacon, NY
Posts: 2,914
Thanks: 19
Thanked 122 Times in 118 Posts
Rep Power: 9
 
Re: Health Insurance While Cruising

I have a friend who had a heart attack in France and they required him to pay his entire bill before letting him out of the hospital in order to go home. He was reimbursed once he got home, but was lucky he could front the tens of thousands it cost him. He even had a "travelers" policy. Of course this was much cheaper than the care in the US, but having to front the money could end a lot of people's cruising for sure.
miatapaul is offline  
Quote Quick Reply Share with Facebook
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the SailNet Community forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
Please note: After entering 3 characters a list of Usernames already in use will appear and the list will disappear once a valid Username is entered.


User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
Cruising Health Insurance BrightAyes Cruising & Liveaboard Forum 1 09-23-2008 05:43 PM
Health insurance while cruising holloway Cruising & Liveaboard Forum 1 03-14-2002 05:25 AM
Health Insurance While Cruising William Mahaffy Seamanship Articles 0 08-04-1999 08:00 PM
Health Insurance While Cruising William Mahaffy Cruising Articles 0 08-04-1999 08:00 PM
Health Insurance While Cruising William Mahaffy Her Sailnet Articles 0 08-04-1999 08:00 PM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome